Legal Protection in the Application of Fintech in the Digital Age for MSMEs Modernization Muhadi, Hairudin, Intan Oktaria, Ira Adelita
Mitra Indonesia University
Abstract
The growth of innovation during the Industrial Revolution 4.0, or the era of digitalization, makes everything that a person needs feel more effective, up-to-date and modern. Every country is competing to make the digitalization era a trend because of the advantages and conveniences it offers. In this study, the authors used research to collect data by reading law books, studying books related to existing cases in the literature that are related to this research, as well as websites that have links with the author^s problem were taken, so that data was collected. concretely and accurately. The author also uses an empirical approach, which is carried out by looking at the object under study and conducting interviews with people related to the research subject. OJK Regulation Number 77 of 2016 (POJK) concerning Information Technology-Based Money-Lending Services regulates MSME activities that involve financial technology. What is meant by information technology-based lending and borrowing services is the provision of financial services to connect lenders and borrowers in the context of entering into loan agreements in the rupiah currency directly through an electronic system using the internet network, in accordance with Chapter I Article 1, Paragraph 3 of the Regulations OJK Number 77 of 2016 (POJK).
